What does it mean that the debit shows that you currently have no credit limit after evaluation

There is no credit limit for the borrower after evaluation, which means that the customer's eligibility has not passed the loan review. As a credit product, the applicant's qualifications are relatively strict. If the review is not approved, the loan amount will not be obtained, and the negotiation with customer service will not be affected.

However, a failure to approve the loan does not mean that the customer's qualifications are not good. It may be that the customer's usual borrowing records are not many, and the system cannot review them. Some used to have quotas, but quotas have been ** for a long time, and there could be many reasons.

The reasons for not having a credit limit are as follows:

1.After a system failure causes a temporary inability to respond to Alipay's system repair or upgrade, the function of Ant may be temporarily closed. This happens more frequently at night. If that's the reason, users don't have to worry too much. After a period of time, the system will automatically recover.

2.It was Alipay who took back the credit card. If the user has not used it since opening it. In order to prevent occupancy, Alipay will take back the loan to the user in need.

3.Alipay has violated the rules. The products in the Alipay system are closely connected, if Alipay has some illegal operations. For example, swiping, malicious chargebacks, etc., may affect the amount borrowed. Go to Alipay for ** consultation.

4.The loan is overdue. As a small loan tool, if the user is using the borrowing time, there is an overdue love for the ancient things, so they should go to Alipay to find online consultation.

5.To improve personal information, first of all, see whether Alipay has real-name authentication, whether it has a bank card, whether it has a mobile phone number, and whether the personal information is complete.

Extended Information: Introduction:

1.The current name of "credit loan" is a loan service launched by Alipay. Depending on the sesame points, the amount of loan that users can apply for varies. The maximum repayment period of the loan is 12 months, and the daily interest rate of the loan is repayable with the loan.

On January 9, due to excessive leverage and violation of relevant regulatory regulations of the central bank, some user accounts were voluntarily closed to control loan balances.

On November 8, it was reported that Alipay's "borrowing" was renamed "credit loan". In response, Alipay's customer service responded that in order to help everyone have a clearer understanding of the actual consumer credit providers, the consumer credit services provided by the financial institutions that cooperate with Ant have been updated to "Credit Loans" and display the name of the financial institution on the credit loan page. After this adjustment, the original loan, review, repayment and other services will not be affected.

Operating environment: Apple 12, ios14, Alipay version.

The borrowing shows that there is no credit limit for the time being, which is the reason why the qualification has not passed the review of the system for the time being, and it is not a simple matter to open the borrowing limit, and the required qualifications meet the requirements of the borrowing and have a certain economic capacity.

It is worth noting that if the borrowing shows that there is no credit limit, then communicating with the platform's customer service will not be effective, and if you want to open the borrowing limit as soon as possible, you need to maintain a good credit history, use Alipay more, and submit some asset certificates.

If the borrowing has been opened, if you apply for the borrowing, you need to repay the loan on time and in full, there is no grace period for borrowing, and it is not possible to negotiate repayment, and the lender does not repay in time is overdue, which will cause a great blow to personal credit.

It is worth noting that when applying for a loan, the lender has already determined the loan term, and after it is determined, it cannot continue to change, nor can it apply for installment on the basis of installment repayment, so the lender should be cautious in the choice of loan amount and installment period.

If you have overdue records online, or have loan records from multiple platforms, then your various records will be controlled by big data risk, and even Huabei will be closed when your online loan platform often rejects you. If there is an abnormality in your online black data, you can find: Xiaoqi Xincha, you can obtain your own big data and credit status, you can obtain various indicator data, you can query your own personal credit status, blacklist, online loan application records, application platform type, whether it is overdue, overdue amount, whether there is an arbitration case, and other important data information.

Extended information: Do I need to do it if Huabei hits ** and asks for 7 p.m.?

Huabei hit** requires 7 o'clock in the evening to be returned, the user needs to do it, and if it is not done, it may make Huabei think that the user is maliciously overdue.

Once it is determined that it is maliciously overdue, then Huabei may arrange for collectors to come to collect or sue users.

Huabei will only be asked to repay as soon as possible after it is overdue, and repay as soon as possible according to the requirements of the collection, which can reduce the negative impact of overdue.

If the user fails to repay the loan as required, the collector will continue to collect the payment, which will inevitably affect the user's daily life.

Collectors may even call the number in the address book to collect money, which will let friends and family know that the user owes money and is not paying it back.

In order to avoid relatives and friends from being collected, it is necessary to pay off the overdue arrears as soon as possible.

The collector gives the repayment deadline, and if the user is unable to repay on time, he can apply to the collector to negotiate the repayment, and if the negotiation is successful, he can win some repayment time.

What does it mean that you currently have no borrowing limit?

It's just that it hasn't been opened for you yet.

Kill you, persuade you not to get credit cards.

You don't have a good credit rating. Use Alipay to transfer money and spend shopping.

No.

Borrow. The current name Credit Loan is a loan service launched by Alipay, and users can apply for different loan amounts according to different sesame scores. The borrowing shows that the loan is successfully borrowed.

Shows that your credit is being assessed, just an assessment of how much you can approximately borrow.

On November 8, 2021, it was reported that the name of Alipay borrowing has been changed to credit loan. In response, Alipay's customer service said that in order to make it easier for you to have a clearer understanding of the actual consumer credit service provider, the consumer credit service provided by the financial institution that cooperates with Ant has been updated to a credit loan, and the name of the financial institution is displayed on the credit loan page.

1.A lender's lack of credit will result in no credit limit. 2.

Multiple prepayments will also result in no credit limit available, as the system will assume that the user does not need to borrow at this time. 3.If there is an overdue behavior, it will also show that there is no credit limit for the time being, and the user needs to pay off the arrears in time.

The loan amount assessment is not passed. "Current Name Credit Loan" is a loan service launched by Alipay, and according to the different sesame scores, users can apply for different loan amounts. The maximum repayment period of the loan is 12 months, and the daily interest rate of the loan is to borrow and repay at any time.

On January 9, 2018, due to excessive leverage and violation of relevant regulatory regulations of the central bank, some user accounts were voluntarily closed to control the loan balance.

On November 8, 2021, it was reported that the name of Alipay's "borrowing" has been changed to "credit loan". In response, Alipay's customer service said that in order to make it easier for you to have a clearer understanding of the actual consumer credit service provider, the consumer credit service provided by the financial institution that cooperates with Ant has been updated to a credit loan, and the name of the financial institution is displayed on the credit loan page.

What about me just now? I really don't understand. And then yours? Is there a quota?

I was restricted, waited two weeks, and it was generally back to normal.

Either there are many bank defaults, or there are no sesame points.

This is because there are still certain problems with the credit you used before, and I can help you.